Fighting AI-Facilitated Fraud
Fighting AI-Facilitated Fraud
Sunday, Nov. 15, 2026, 2:15 – 3:45 PM Central
Insurance fraud steals over $300 billion annually,1 adding $400 to $700 to family insurance costs per year. Generative AI has become a key tool in committing fraud by enhancing damages in photos submitted with claims, faking medical records, filing fraudulent medical billing forms, voice cloning, synthetic identities, and enhancing phishing emails. There are software tools that aid in the detection of AI-facilitated fraud, but software alone is not sufficient to combat fraud.
A multi-layered approach with cross-company and cross DOI coordination is critical to effectively combat AI-facilitated fraud, in addition to effective tools. Further, education in software and mitigation approaches is needed to aid regulatory efforts to reduce AI-facilitated fraud. This session is designed to increase regulatory awareness of AI-facilitated fraud, how it is being committed, and to inform regulators on tools and approaches that can aid in tackling it.
Moderator:
Trinidad Navarro, Commissioner, Delaware Department of Insurance
Panelists:
Kimberly Semler, Fraud Prevention Division, Nebraska Department of Insurance
Raun Bass, Intelligence Production Director, National Insurance Crime Bureau
Nancy Clark, Assistant Vice President of Regulatory Strategy, Verisk
Brent Walker, Director of Government Relations, Coalition Against Insurance Fraud
Shaun O’Neill, Senior Technical Analyst, Maryland Insurance Administration’s Fraud
and Enforcement Division
Learning Objectives:
• Understand how AI is impacting the landscape of insurance fraud.
• Identify software tools and mitigation approaches to combat AI-facilitated fraud.
• Discuss humans AI fraud detection methods as well as software detection methods
• Discuss the benefits of cross-state and industry collaboration to combat AI-facilitated fraud.
• Identify key components of NAIC training on AI-facilitated fraud detection.
CIPR's special session is open to all registered NAIC 2026 Fall National Meeting participants.
About the National Association of Insurance Commissioners
As part of our state-based system of insurance regulation in the United States, the National Association of Insurance Commissioners (NAIC) provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers. The U.S. standard-setting organization is governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. State insurance regulators, through the NAIC, establish standards and best practices, conduct peer reviews, and coordinate regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally.